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Investment Process

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You have accumulated your retirement nest egg and are looking to develop a sustainable income. A retiree in her 60s may live up to 30 years or more in retirement. That is why it is important to maintain purchasing power and overcome longevity risk. Longevity risk is the risk of living long enough to outlive your money. We believe these needs are paramount.

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Living Expenses 

We believe most people should be keeping three years’ worth of income needs in cash or cash alternatives. We think it is essential to always have some money that isn’t susceptible to market fluctuations and can be counted on to help meet short-term living expenses. Having this “cash bucket” helps our clients to be more patient with the remainder of their investments.

Long-term Investments

We feel that clients with three years of living expenses in cash can take a longer-term perspective with their retirement account. With these investment dollars, we strive to maximize returns given a client’s tolerance for risk. We pursue this by investing in numerous asset classes that have decent historical return characteristics but also low correlations to one another. Over time, we use the potential dividends and interest from these investments to replenish the three-year cash bucket. We also seek to fund the cash bucket with potential capital gains at times.

Past performance may not be indicative of future results. Dividends are not guaranteed and will fluctuate. Investing involves risk and you may incur a profit or loss regardless of the strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance, and time horizon before making any investment.

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